Pinnacle
Atlanta, GA · Charter 67632 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 3 branches
Q2 2024
$87.8MAssets
$54.7MLoans
$82.3MShares
$7.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of credit unions under $1B in assets (rank 725 of 1748).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets (rank 1614 of 1748).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.19%
Rank 1,548 of 1,753
Net Interest Margin
3.34%
Rank 1,052 of 1,752
Efficiency Ratio
102.77%
Rank 1,614 of 1,748
Equity / Assets
8.74%
Rank 1,543 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.19% | 0.23% | 0.68% | 1.19% | Beats 12% | 1,548 / 1,753 | n/a | |
| Return on Equity | -2.19% | 1.80% | 5.29% | 9.05% | Beats 11% | 1,562 / 1,750 | n/a | |
| Net Interest Margin | 3.34% | 2.98% | 3.54% | 4.20% | Beats 40% | 1,052 / 1,752 | n/a | |
| Efficiency Ratio | 102.77% | 69.58% | 78.86% | 88.33% | Beats 8% | 1,614 / 1,748 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.22% | 0.59% | 1.20% | Beats 59% | 725 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 9.91% | 12.21% | 15.57% | Beats 12% | 1,544 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.74% | 9.91% | 12.21% | 15.57% | Beats 12% | 1,543 / 1,752 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 66.51% | 55.88% | 73.01% | 86.61% | 39th pctl | 1,072 / 1,750 | n/a | |
| Loans / Assets | 62.36% | 48.21% | 62.51% | 73.23% | 50th pctl | 880 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |